Lloyds Reviews 

Used to be good like most brick and mortar banks
Now it’s pop ups and internets banks. Only problem is NO HUMANS
This world and personal service is finished!!

"If you forget your internet banking password, the bank effectively locks you out for up to 10 days while deciding to send an activation or encryption code by post. In today's digital world, it's astonishing that a multimillion-pound bank has no faster or more secure way to verify a customer's identity and restore access. The process feels unnecessarily punitive rather than customer-focused, and dealing with the call centre has only added to the frustration. Obtuse .

I am extremely disappointed with my recent experience with Lloyds Bank. Due to a system error on the bank's side, £500 was incorrectly taken from my account and, at the time of writing, the money has still not been returned. I am extremely worried about my upcoming Direct Debits because this situation remains unresolved.

I have spent days trying to understand and resolve a problem that was entirely caused by the bank. I remained patient throughout the process, yet I was forced to explain the entire situation from the beginning every time I called. It was only on my sixth call that I was finally given a case reference number.

The customer service was particularly disappointing. During my last three calls, I spent around two hours on the phone after returning home from work. That evening was also my husband's birthday, and because I was trying to resolve Lloyds' mistake, we were unable to celebrate as we had planned.

The attitude of one customer service adviser was insensitive and rude. While I was trying to explain what had happened, I felt I was not being listened to. After everything I had been through, the call was ended abruptly. I find it unacceptable that I was first put through days of stress because of the bank's own error and then had the phone put down on me.

I have been a Lloyds customer since 2000, and this is the first time I have experienced such poor treatment. I simply do not expect this level of service from a bank of Lloyds' size and reputation.

Lloyds has offered me £70 as a goodwill gesture, but my main concern is not the compensation. My hope is that Lloyds learns from this incident, improves both its systems and customer service, and ensures that no other customer has to go through the same experience.

I had a Lloyds credit card. It is the worst credit card I've had in years of holding many accounts, and I've just cancelled it.



The core problem is an overly aggressive fraud prevention system that makes the card functionally unusable. Routine transactions — buying on Amazon, contactless payments in stores, standard online purchases — are blocked at random, with no explanation. Every time this happens, calling Customer Service means 20–30 minutes on the phone, passed between three agents, and subjected to repeated security checks, just to approve an ordinary purchase.
The Apple Pay issue was the final straw. Adding a card to Apple Pay takes seconds and works flawlessly with six of my other UK credit cards. With Lloyds, I spent another half-hour on the phone with three different people, only to be told it couldn't be added because my iPhone region is set to the United States — despite this being a UK card used in the UK. That's an absurd and entirely avoidable limitation that no other card issuer seems to have.



I've cancelled my account and won't be using Lloyds for anything again. If you want a card you can actually use for everyday transactions without constant friction, look elsewhere.

Outdated Site.

A lot of things are hard to do or outright impossible and need customer service even blocking transactions.

After explaining my situation several times to the bank my issue wasn’t solved I didn’t receive product and money was taken out of my account a real poor show

Disappointed by Lloyd’s. 0-10 bank

money missing from my account have made numorous complaints bank no help , and acting guilty !

Having paid Bikesure/Lloyds£124.48, 25/11/25 and cancelling today as the classic bike has been sold only 5 months into the 12 months ofcover, I was disgusted to be told the refund was zero.

This total rip off ably demonstrates what level of greed exists in the insurance industry.

Shame you can't award zero stars to match their profiteering cynicism.

I’ve had a very frustrating experience with Lloyds Bank regarding a disputed payment where the services I paid for were not delivered.

Despite submitting all the required evidence multiple times through chat and support channels, I was repeatedly asked for the same information again and again, with no clear progress towards resolving the issue or issuing a refund. It feels like the information provided is not being properly reviewed or acted on, which has made the process unnecessarily long and stressful.

The lack of consistency in communication and the inability to move the case forward has been particularly disappointing for a major bank. I would expect a clearer process, better case handling, and more efficient resolution when customers submit complete documentation.

I hope this feedback leads to improvements in how disputes and refund claims are managed, especially around ensuring customer evidence is properly tracked and reviewed the first time it is submitted.

I am fortunate in that I have never been out of work or had any financial problems, and have an excellent credit history. That is not good enough for Lloyds whose automated security algorithms have twice stopped me from buying something with my Lloyds so-called 'Ultra' credit card, and then blocked the card. This is despite using 2 factor authentication and the items taking my balance to less than my credit limit. This is extremely annoying and inconvenient, particularly when they don't bother to inform of what they have done and the card doesn't work when you next come to use it! I had to call THEM in order to unblock the card. This was even after I had called them the day before to inform them that I was about to make a purchase of several thousand pounds. They say they are protecting me from fraud (non- existent in this case) when in actual fact they are only protecting themselves. In most cases of fraud customers are refunded.
Goodbye Lloyds - never again!

they are horrible criminals, stealing money, changing my address without my permisson, closed my account and keep my money..be carefull , this bank is scam,its horrible criminals!! customer service is absolute noncese, they are not helpfull at all, they are rude, they do things u dont ask them! horrible criminals!!

Using Lloyds is simple and customer support is fast to support you

Lloyds systems are hopeless. I applied for and was accepted for a new credit card but it never arrived. I cancelled the whole thing but now they are sending me messages which I can only read by logging onto my Internet banking, but I’m unable to do this because I never received a credit card. Don’t they have the sense to realise that it is no good telling me to use Internet banking when that is simply impossible. Just a little bit of thought and intelligence, Lloyds,would go a long way.

Got great and clear service from Ms. Jayeeta, she helped me deposit a check for the first time in a clear manner for me to understand, nice positive energy!

Professional Scammers, stay away!